dmertz
Level 15

Retirement tax questions

When I mentioned that converting to Roth can avoid RMDs, I'm referring to future RMDs to which funds in the traditional IRA (ant the traditional 403(b) account) would be subject once you reach age 75.  (The RMD age will go up to 75 before you must begin RMDs).  You mentioned a "standard" IRA, so I assume that the IRA is not an inherited IRA.

 

There are no restrictions for you on Roth conversions prior to the year you reach age 75.  In the year you reach age 75 and beyond, RMDs must be satisfied before converting other funds to Roth.